KR20090002000A - Gift certificate that is possible real time payment and that used payment system - Google Patents

Gift certificate that is possible real time payment and that used payment system Download PDF

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Publication number
KR20090002000A
KR20090002000A KR1020070053467A KR20070053467A KR20090002000A KR 20090002000 A KR20090002000 A KR 20090002000A KR 1020070053467 A KR1020070053467 A KR 1020070053467A KR 20070053467 A KR20070053467 A KR 20070053467A KR 20090002000 A KR20090002000 A KR 20090002000A
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KR
South Korea
Prior art keywords
gift certificate
amount
voucher
issuer
gift
Prior art date
Application number
KR1020070053467A
Other languages
Korean (ko)
Inventor
장양호
Original Assignee
장양호
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Publication date
Application filed by 장양호 filed Critical 장양호
Priority to KR1020070053467A priority Critical patent/KR20090002000A/en
Publication of KR20090002000A publication Critical patent/KR20090002000A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/208—Input by product or record sensing, e.g. weighing or scanner processing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

The present invention relates to a gift certificate that can be paid in real time and a payment system using the same, and more particularly, to form a magnetic tape in which the information such as the serial number, amount, status of use of the gift voucher is recorded in the gift certificate and the issuer side in real time when using it. The present invention relates to a gift voucher capable of real-time payment for the payment of the gift voucher to the online account of the merchant account that handles the gift voucher in the mother account and a payment system using the same.

An object of the present invention is to recognize the magnetic tape attached to the voucher when using the voucher to make the payment amount of the voucher to be deposited into the magnetic account in real time, and to allow the user to use only as much as the desired amount, and the remaining amount is another article. It is to provide a gift certificate that can be used for purchase in real time and a payment system using the same.

In order to realize the above object, the payment system according to the present invention reads the magnetic tape 1 and uses the VAN to read the gift certificate identification information and the payment amount when using the gift certificate on which the magnetic tape 1 is stored. The gift certificate identification issued to check and authenticate the merchant terminal 200 transmitted to the electronic authentication server 210 through the network and the gift certificate identification information from the merchant terminal 200 relayed from the electronic authentication server 210. The issuer server 220 for storing information and storing the usage history, and the amount of the gift certificate paid through the merchant terminal 200 after authentication of the gift certificate in the issuer server 220 in real time from the issuer's mother account. Characterized in that the bank server 230 to transfer the account to the account.

In addition, the payment method, by reading the magnetic tape (1) of the paid gift certificate through the merchant terminal 200 to read the gift certificate identification information and transmits to the issuer server 220 to check the authenticity and use of the gift certificate;

Authenticating the authenticity of the gift certificate by authenticating the issuer server 220 by inputting the password of the gift certificate through the keypad of the affiliated store terminal 200;

Updating the amount and usage history to the issuer server 220 by subtracting the amount charged through the merchant terminal 200 after the authentication of the password from the amount of the gift certificate;

It is characterized in that it comprises a step of requesting the transfer of the amount of money charged through the merchant terminal 200 to the account of the merchant side from the mother account of the issuer side previously opened in the bank server 230.

In addition, the gift certificate according to the present invention is characterized in that the magnetic tape (1) configured on the back is configured to read information through the terminal of the merchant, the information such as the serial number of the gift certificate, use status and issuer, amount of money is characterized in that the configuration do.

Description

Gift certificate that allows real-time payment and payment system using it {GIFT CERTIFICATE THAT IS POSSIBLE REAL TIME PAYMENT AND THAT USED PAYMENT SYSTEM}

1 is a plan view showing the front side of an electronic gift certificate applied to the present invention.

Figure 2 is a rear view of Figure 1;

3 is a block diagram showing a payment system using a gift certificate capable of real-time payment according to the present invention.

4 is a flowchart showing a payment method of the present invention.

<Description of the symbols for the main parts of the drawings>

1: magnetic tape 200: merchant terminal

210: Electronic authentication server 220: Incident company server

230: bank server

The present invention relates to a gift certificate that can be paid in real time and a payment system using the same, and more particularly, to form a magnetic tape in which the information such as the serial number, amount, status of use of the gift voucher is recorded in the gift certificate and the issuer side in real time when using it. The present invention relates to a gift voucher capable of real-time payment for the payment of the gift voucher to the online account of the merchant account that handles the gift voucher in the mother account and a payment system using the same.

Generally, a gift certificate is a fixed bearer securities issued by an issuer so that it can be exchanged for a specific product, and the product that the issuer handles can be purchased within a range of the amount described in the gift certificate.

The above-mentioned gift certificates include company-issued gift certificates (gift cards issued by a single company such as department store or shoe store gift certificates) that can be used only by the company to promote sales by attracting customers and promoting their brands. By signing a contract, it is classified as a third-party issued gift certificate (freely available within various affiliated companies such as books and cultural gift certificates or national tourism gift certificates) for the promotion of the company.

In addition, the gift voucher varies from 5,000 won to hundreds of thousands of won, depending on the purpose, the user using the gift voucher can purchase a gift voucher at a value corresponding to the face value of the gift voucher or a discounted gift to others For example, it is convenient to exchange a voucher for a desired item at a merchant that can use the gift certificate.

However, when using a gift certificate as described above, the merchant receiving the gift certificate must collect the received gift certificate for a certain period of time, collect it at a predetermined settlement date, and then collect the gift certificate, and then claim the issuer to issue the gift certificate. There is a problem in that it takes a lot of time delay and manpower, and because the payment is not made in real time due to the rejection of the gift certificate.

In addition, when the user uses the gift certificate, the remaining amount can be returned in cash only when the user uses 80% or more of the amount of the gift certificate, so that the user can purchase the goods in accordance with the amount of the gift certificate. It becomes uncomfortable.

Therefore, an object of the present invention is to solve the above-mentioned problems, when using the gift card to recognize the magnetic tape attached to the gift card in real time, the amount of payment of the gift card is deposited into the magnetic account and only as much as the user desired amount The remaining amount is to provide a gift certificate and a payment system using the same that can be used in real-time payment to be used for other goods again.

In order to achieve the above object, the payment system according to the present invention, when using a gift certificate formed with a magnetic tape storing the information such as the amount of the gift certificate, the merchant to read the magnetic tape and transmit the gift certificate identification information and payment amount to the electronic authentication server An issuer server for storing voucher identification information and the like issued for checking and authenticating the voucher identification information from the merchant terminal relayed from the VAN company server, and storing the usage history; It is characterized in that it consists of a bank server that transfers the amount of the gift certificate paid through the merchant terminal in real time from the issuer's mother account to the merchant's own account.

In addition, the payment method, by reading the magnetic tape of the paid gift certificate through the merchant terminal to read the gift certificate identification information and transmits to the issuer server to check the authenticity and use of the gift certificate;

Authenticating the authenticity of the gift certificate by authenticating the issuer server by inputting the password of the gift certificate through the keypad of the affiliated store terminal;

Updating the amount and usage history in the issuer server by subtracting the amount charged through the merchant terminal after authentication of the password from the amount of the gift certificate;

And requesting an account transfer from the mother account of the issuer side, which has been previously opened in the bank server, to the account of the merchant side of the amount billed through the merchant terminal.

In addition, the gift certificate according to the present invention is characterized in that the magnetic stripe formed on the back is configured to be read through the terminal of the merchant by recording information such as the serial number, use status and issuer, the amount of the gift certificate.

1 and 2 is a view showing the front and back of the gift certificate to be applied to the present invention, the front of the gift certificate, the name of the issuer, the gift certificate, the gift certificate serial number, the amount of the gift certificate, the barcode and the anti-counterfeiting portion, etc. are printed, The magnetic tape 1 is formed on the back of the voucher, which contains not only the voucher terms and conditions, issuance date and expiration date, issuer address and contact information, but also information such as various types of vouchers and amount of money.

The magnetic tape 1 is provided with identification information of a gift certificate, for example, information such as a serial number for identification of the gift certificate, the amount of the gift certificate, information related to the issuer, issue date, usage history of the gift certificate, gift certificate. The amount of deduction according to the amount used and the status of mileage accumulation based on the use of gift certificates are entered.

The name of the gift voucher is a type of gift voucher for purchasing a specific product, and it is described in the present application that various products can be purchased by setting it as a 'composite cultural gift voucher'. It can also be set as a gift certificate and an online game gift certificate.

The serial number of the gift certificate is a unique number for identifying the corresponding gift certificate, so that the user can grasp the use location and the use status of the gift certificate.

When using a gift certificate online, the serial number and the password scratch unit are peeled off, and a password corresponding to the authentication number is input to the web page for use.

In particular, the bar code is a code corresponding to the serial number of the gift certificate when the magnetic tape 1 on the back of the gift certificate is damaged, the corresponding gift certificate can be read through the barcode reader in the merchant.

3 is a block diagram illustrating a payment system according to the present invention, and includes a merchant terminal 200, an electronic authentication server 210, an issuer server 220, a bank server 230, and a network 240.

The merchant terminal 200 is a device for reading the gift certificate identification information, such as the amount, serial number and issuer of the gift certificate recorded on the magnetic tape (1) of the gift certificate, and transmits to the VAN company with the password entered by the merchant, VAN is a terminal, for example, a credit card inquiry machine supplied to the affiliated store, and is installed in the affiliated store that charges the amount according to the payment of the gift certificate.

At this time, the affiliated store terminal 200, when the magnetic tape 1 is damaged, the keypad 200a for manually inputting the serial number and password of the gift certificate, and a barcode for scanning the barcode corresponding to the serial number of the gift certificate. A reader 200b.

In addition, the affiliated store terminal 200 is a storage unit for storing the gift certificate related information and the various operating programs from the issuer server 210, an output unit for displaying the balance of the gift certificate, the keypad 200a, a barcode reader ( 200b), but includes a control unit for controlling the storage unit and the output unit, but the detailed description thereof will be omitted because it is the same as the configuration of a general credit card inquiry machine.

The electronic authentication server 210 is a value-added communication network that computes and relays the gift certificate identification information read by the affiliated store terminal 200 to the matching issuer server 220, and the merchant terminal 200 is read by the identification information of the gift certificate. It is possible to recognize whether the transmission data from the product is a gift certificate or a credit card.

Of course, the electronic authentication server 210 is connected to the Korea Credit Information (KICC), KFTC (KFTC), Korea Mobile Payment Service (KMPS), KIS, CC Kben and Nice Information Communication (NICE) that operates the network network. It is.

The issuer server 220 stores the gift certificate related information such as the serial number, the password, and the use status of the gift certificate, thereby authenticating the authenticity and use of the gift certificate based on the relayed gift certificate information, and at the merchant terminal 200. Whenever there is use of the electronic gift certificate, the payment amount is immediately transferred to the merchant terminal 200 through the mother account previously established in the bank server 230.

The bank server 230 manages the mother account of the electronic voucher issuance and the merchant account of the merchant side, and transfers the payment amount corresponding to the face value of the electronic gift certificate from the issuer's mother account to the merchant account.

That is, whenever there is a use of the electronic voucher, the payment amount corresponding to the use amount is an account transferred from the issuer server 220, and the 'self account' is the payment amount transferred from the issuer server 220. This is an account for transferring to the merchant terminal 200.

In addition, the electronic authentication server 210, the issuer server 200 and the bank server 230, the input and output unit for inputting and outputting the information related to the gift certificate applied to the present invention, respectively, storing for storing the information related to the electronic gift certificate And a control unit for controlling the input / output unit and the storage unit, but the detailed description thereof will be omitted since it is the same as the configuration of a general server.

The network 240 is a communication network such as a public telephone network (PSTN) and an Internet dedicated line that enables information exchange between the affiliated store terminal 200, the electronic authentication server 210, the issuer server 210 and the bank server 230.

Referring to the payment method of the present invention as described above, after the user receives a gift certificate attached with the magnetic tape 1 issued from the issuer side, the user uses the electronic gift certificate as a commodity price.

When the gift certificate is used, the merchant reads the gift certificate identification information such as the amount, serial number, and issuer of the electronic gift certificate paid through the merchant terminal 200, which is read by the magnetic tape 1 of the gift certificate. The identification information of the corresponding gift certificate is read automatically or through the input of a serial number through the keypad 200a or the scanning of a barcode through the barcode reader 200b.

After reading the gift certificate, the electronic authentication server 210 checks the gift certificate through the gift certificate identification information input from the affiliated store terminal 200 and notifies the issuer server 220 to request the authenticity and use. do.

That is, the electronic certificate server 200 requests whether the corresponding gift certificate is within the validity period and whether it has been forged, whether the gift certificate has already been used, and whether it is an electronic gift certificate issued by the issuer. If authenticity and use is determined, the issuer server 220 authenticates the authenticity and use of the electronic voucher to the electronic authentication server 210 and the merchant terminal 200 through confirmation with the previously stored gift certificate identification information.

After the authentication, the merchant terminal 200 receives a password matching the serial number of the corresponding gift certificate through the keypad 200a, and if the password matches the pre-stored password in the issuer server 220, the face value of the gift certificate billed as the product price The amount of the use amount corresponding to the amount is requested to transfer the account from the issuer side of the issuer side, which is already established in the bank server 230, to the account of the merchant side, and updates the identification information (amount, usage history, etc.) of the electronic gift certificate.

In particular, when using a gift certificate, all or part of the amount of the gift certificate is used, but since the settlement amount is notified to the bank server in real time through the magnetic tape 1, the settlement amount can be used as much as the user wants. It is easy to use.

Of course, the bank server 230 transfers the payment amount from the mother account of the issuer side to the magnetic account of the merchant side.

In this case, when the user uses the gift certificate, a certain percentage of the voucher is used as a mileage and stored in the issuer server, and the user may pay it as a purchase price or may cash it if the amount is more than a certain amount. .

As described above, after forming magnetic tape on the gift certificate, which records information such as serial number, usage status and issuer of the gift certificate, it can be identified and authenticated on the terminal, and the amount can be used in real time. The amount of money corresponding to the payment price of the electronic gift certificate from the parent account of the merchant to handle the gift certificate online payment in real time, there is an advantage that can save the time and manpower that follows.

In addition, since the payment amount is immediately processed from the issuer side to the affiliated store through online, it is possible to smooth the flow of funds at the affiliated store and to eliminate the rejection of the electronic gift certificate.

Claims (4)

When using a gift certificate formed with a magnetic tape storing information such as the amount of a gift certificate, the merchant terminal reads the magnetic tape and transmits the gift certificate identification information and payment amount to the electronic authentication server, and from the merchant terminal relayed from the electronic authentication server. The issuer server that stores the voucher identification information, etc. issued to check and authenticate the voucher identification information, and stores the usage history, and the amount of the voucher that is settled through the merchant terminal after authentication of the voucher on the issuer server in real time. Payment system using a gift certificate that can be settled in real time characterized in that the bank server to transfer the account from the mother account to the merchant's own account. The method of claim 1, A payment system using a gift certificate capable of real-time payment, characterized in that it comprises a bar code reader installed in the merchant terminal and recognizes a barcode that stores the same information as the magnetic tape of the gift certificate. Checking the authenticity and use of the gift certificate by reading the paid magnetic tape of the gift certificate through the merchant terminal to read the gift certificate identification information and transmitting it to the issuer server; Authenticating the authenticity of the gift certificate by authenticating the issuer server by inputting the password of the gift certificate through the keypad of the merchant terminal; Updating the amount and usage history in the issuer server by subtracting the amount charged through the merchant terminal after authentication of the password from the amount of the gift certificate; Payment using the gift certificate that can be settled in the real-time payment, characterized in that consisting of the step of requesting the transfer from the mother account of the issuer side already opened in the bank server to the account of the merchant side, the amount charged through the merchant terminal Way. A gift voucher comprising a magnetic tape formed on the back of a voucher configured to read information on the voucher's serial number, usage status, issuer, and amount of money.
KR1020070053467A 2007-05-31 2007-05-31 Gift certificate that is possible real time payment and that used payment system KR20090002000A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
KR1020070053467A KR20090002000A (en) 2007-05-31 2007-05-31 Gift certificate that is possible real time payment and that used payment system

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
KR1020070053467A KR20090002000A (en) 2007-05-31 2007-05-31 Gift certificate that is possible real time payment and that used payment system

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KR20090002000A true KR20090002000A (en) 2009-01-09

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101933192B1 (en) * 2017-07-29 2019-04-17 주식회사 퓨처서프 Method and apparatus of paying electronic gift certificates offline

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101933192B1 (en) * 2017-07-29 2019-04-17 주식회사 퓨처서프 Method and apparatus of paying electronic gift certificates offline

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